Terms of Service

1. Acceptance of Terms

By accessing or using the CreditCoach platform and services ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use the Service. These Terms apply to all visitors, users, and others who access or use the Service.

CreditCoach is operated by CreditCoach, located at 1349 W Peachtree Street NW, Suite 1910, Atlanta, GA 30309.

2. Description of Service

CreditCoach is a credit and funding preparation system. Our Service helps clients clean up their credit profile, build stronger credit, position themselves for lender approvals, and prepare for funding opportunities including credit cards, business credit, and loans.

Our Service includes AI-powered analysis of your credit report, preparation and mailing of dispute letters on your behalf, custom credit strategy plans, utilization optimization guidance, tradeline recommendations, funding readiness preparation, and progress tracking tools.

CreditCoach is not a law firm, does not provide legal advice, and is not a substitute for legal counsel. We do not guarantee any specific results, including but not limited to the removal of any items from your credit report, any specific credit score changes, or approval for any credit product or loan.

3. User Accounts

You must create an account to use the Service. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to provide accurate, current, and complete information during registration and to update such information as necessary.

You must be at least 18 years of age to create an account and use the Service. By creating an account, you represent that you are at least 18 years old.

4. Subscription Plans and Pricing

The Service is offered on a monthly subscription basis with the following plans:

• CreditCoach Starter — $59 per month
• CreditCoach Pro — $99 per month
• CreditCoach Elite — $129 per month

You will be billed at the beginning of each billing cycle. All prices are in U.S. dollars. CreditCoach reserves the right to modify pricing at any time with 30 days' prior notice to existing subscribers.

5. No Minimum Commitment

All subscription plans are month-to-month. There is no minimum commitment period. You may cancel your subscription at any time. Upon cancellation, your service will remain active through the end of your current billing period.

6. 6-Month Commitment Reward

Clients who maintain an active, paid subscription for six (6) consecutive months will automatically receive three (3) additional months of service at no extra charge. This reward is applied automatically and does not require enrollment or opt-in.

To qualify, all six monthly payments must be current and paid in full. If any payment is missed or past due during the 6-month qualifying period, the reward period will not begin until all outstanding payments are brought current and six consecutive paid months have been completed from that point.

During the 3-month reward period, you will continue to receive the same level of service included in your subscription plan. The reward period is non-transferable and has no cash value.

7. Refund Policy

No refunds will be issued once service has begun. By subscribing to the Service, you acknowledge that CreditCoach begins work on your file immediately upon activation, including credit report analysis, dispute preparation, and strategy development.

If you believe there has been a billing error, please contact us at info@creditcoach.cc within 10 days of the charge in question.

8. User Responsibilities

You agree to:

• Provide accurate and truthful information about your identity and credit situation.
• Complete the credit report enrollment process in a timely manner so that we may begin analysis and service.
• Not use the Service for any fraudulent or unlawful purpose.
• Not misrepresent your identity or provide false information to the Service, credit bureaus, or creditors.
• Follow through on behavioral recommendations provided as part of your credit improvement plan.
• Cooperate with reasonable requests for information necessary to provide the Service.

9. No Guarantees

Results vary. CreditCoach does not guarantee:

• The removal of any specific items from your credit report.
• Any specific improvement in your credit score.
• Approval for any credit product, loan, or funding opportunity.
• Any specific outcome from disputes filed on your behalf.

The effectiveness of our Service depends on many factors unique to your individual credit profile, including the nature of the items on your report, the responses of credit bureaus and creditors, your own credit behavior, and other factors beyond our control.

10. Your Rights Under Federal Law

Under the Fair Credit Reporting Act (FCRA), you have the right to dispute inaccurate information on your credit report directly with the credit bureaus at no cost. CreditCoach provides a service to assist you in this process, but you are not required to use a third-party service to exercise your rights.

Under the Credit Repair Organizations Act (CROA), you have the right to:

• Cancel your contract with CreditCoach within three (3) business days of signing without any charge.
• Dispute inaccurate information in your credit report directly and without charge.
• Sue a credit repair organization that violates the CROA.

11. Privacy and Data Security

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the collection and use of your information as described in our Privacy Policy.

We implement industry-standard security measures to protect your personal and financial information, including encryption of sensitive data such as Social Security numbers and credit report information.

12. Intellectual Property

All content, features, and functionality of the Service, including but not limited to text, graphics, logos, software, AI-generated analyses, dispute letters, and credit strategy plans, are the exclusive property of CreditCoach and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works of any content from the Service without our prior written consent.

13. Limitation of Liability

To the fullest extent permitted by applicable law, CreditCoach shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of the Service.

In no event shall CreditCoach's total liability to you exceed the total amount you have paid to CreditCoach in the twelve (12) months immediately preceding the event giving rise to the claim.

14. Dispute Resolution

Any disputes arising out of or relating to these Terms or the Service shall first be attempted to be resolved through good-faith negotiation. If a resolution cannot be reached within thirty (30) days, the dispute shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in Atlanta, Georgia.

You agree that any dispute resolution proceedings will be conducted on an individual basis and not as part of a class, consolidated, or representative action.

15. Termination

You may cancel your subscription at any time by contacting us at info@creditcoach.cc or through your account dashboard. Your service will remain active through the end of your current billing period.

We may terminate or suspend your account and access to the Service at our sole discretion, without prior notice, for conduct that we believe violates these Terms, is harmful to other users or third parties, involves fraud or misrepresentation, or for any other reason we deem appropriate.

16. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and updating the "Last updated" date. We may also notify you by email for significant changes. Continued use of the Service after changes constitutes acceptance of the modified Terms.

17. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict of law provisions. Any legal action arising out of these Terms shall be brought in the courts located in Fulton County, Georgia.

18. Contact Information

If you have any questions about these Terms, please contact us: